The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Dentsply Intl Inc Common Stock 24906P109   12,418 390 SH   SOLE   0 0 390
Vanguard Emerging Market ETF ETF 922042858   305,646 7,841 SH   SOLE   0 0 7,841
Vanguard Total Stock Mkt ETF ETF 922908769   80,455 421 SH   SOLE   0 0 421
Vanguard S&P 500 Index ETF ETF 922908363   129,293 368 SH   SOLE   0 0 368
Vanguard Mid Cap ETF ETF 922908629   219,707 1,078 SH   SOLE   0 0 1,078
Vanguard Europe Pac Etf ETF 921943858   4,037,681 96,204 SH   SOLE   0 0 96,204
Vanguard Small Cap Index ETF ETF 922908751   13,141 72 SH   SOLE   0 0 72
Spdr Nuveen Barclay Muni Bond ETF ETF 78468R721   559,301 12,260 SH   SOLE   0 0 12,260
Ishares Short-Term National Muni Bond ETF ETF 464288158   3,231,536 30,992 SH   SOLE   0 0 30,992
SPDR S&P 500 ETF ETF 78462F103   2,161,503 5,652 SH   SOLE   0 0 5,652
SPDR SERIES TRUST PORTFOLIO Small Cap ETF ETF 78468R853   674,739 18,251 SH   SOLE   0 0 18,251
SPDR SERIES TRUST PORTFOLIO Mid Cap ETF ETF 78464A847   1,208,403 28,433 SH   SOLE   0 0 28,433
SPDR Portfolio Emerging Markets ETF ETF 78463X509   4,019,802 121,960 SH   SOLE   0 0 121,960
SPDR Developed World Ex-US ETF ETF 78463X889   10,296,879 346,813 SH   SOLE   0 0 346,813
SPDR S&P 600 Small Cap ETF ETF 78464A813   5,526,978 67,230 SH   SOLE   0 0 67,230
SPDR Nvn Barclys Short Term Mncpl Bnd ETF ETF 78468R739   4,383,751 93,311 SH   SOLE   0 0 93,311
ISHARES 0 TO 3 MNTH TREASURY BND ETF ETF 46436E718   328,659 3,282 SH   SOLE   0 0 3,282
Schwab US Large Cap Etf ETF 808524201   7,476,648 165,596 SH   SOLE   0 0 165,596
Schwab US Mid-Cap Etf ETF 808524508   1,533,098 23,367 SH   SOLE   0 0 23,367
Schwab International Equity ETF ETF 808524805   4,399,877 136,600 SH   SOLE   0 0 136,600
Schwab Emerging Market Equity Etf ETF 808524706   1,903,965 80,438 SH   SOLE   0 0 80,438
Schwab US Broad Market Etf ETF 808524102   3,000,120 66,952 SH   SOLE   0 0 66,952
Schwab US Small Cap Etf ETF 808524607   3,323,440 82,040 SH   SOLE   0 0 82,040
SPDR DJ Wilshire Global Real Estate (ETF) ETF 78463X749   2,577 63 SH   SOLE   0 0 63
Ishares National AMT Free Muni ETF ETF 464288414   2,212,965 20,972 SH   SOLE   0 0 20,972
iShares Emerging Markets Local Currency Bond ETF ETF 464286517   312 9 SH   SOLE   0 0 9
iShares Russell 3000 Index (ETF) ETF 464287689   1,094,352 4,959 SH   SOLE   0 0 4,959
Ishares Russell Midcap ETF ETF 464287499   389,928 5,781 SH   SOLE   0 0 5,781
iShares S&P 500 Index (ETF) ETF 464287200   33,515,383 87,232 SH   SOLE   0 0 87,232
Ishares S&P 500 Value ETF ETF 464287408   35,252 243 SH   SOLE   0 0 243
iShares S&P SmallCap 600 Index (ETF) ETF 464287804   7,335,421 77,509 SH   SOLE   0 0 77,509
iShares Core S&P Mid-Cap ETF ETF 464287507   10,986,767 45,421 SH   SOLE   0 0 45,421
Ishares Inc Core Msci Emerging Mkts Etf ETF 46434G103   21,942,617 469,863 SH   SOLE   0 0 469,863
Ishares TRUST Core Msci Eafe Etf ETF 46432F842   35,346,110 573,428 SH   SOLE   0 0 573,428
iShares 7-10 Year Treasury Bond ETF ETF 464287440   32,932,878 343,839 SH   SOLE   0 0 343,839
Ishares Gold ETF ETF 464285204   5,638 163 SH   SOLE   0 0 163
VanEck Vectors High-Yield Municipal Index ETF ETF 92189H409   3,741 74 SH   SOLE   0 0 74
Ishares TRUST Emerging Debt ETF ETF 464288281   3,045 36 SH   SOLE   0 0 36
Ishares Msci EAFE Index ETF ETF 464287465   2,357,067 35,909 SH   SOLE   0 0 35,909
Ishares Msci Emrg Mkt ETF ETF 464287234   13,341 352 SH   SOLE   0 0 352
SPDR Barclays Emerging Markets Local Bond ETF ETF 78464A391   4,464,090 217,125 SH   SOLE   0 0 217,125
iPath Bloomberg Commodity Index Total Return ETN ETN 06738C778   6,224,316 184,643 SH   SOLE   0 0 184,643
Invesco BulletShares 2024 Corp Bd ETF ETF 46138J841   20,938,231 1,022,120 SH   SOLE   0 0 1,022,120
Powershares Etf ETF 46138G508   305,651 14,888 SH   SOLE   0 0 14,888
iShares Barclays Aggregate Bond ETF ETF 464287226   444,775 4,586 SH   SOLE   0 0 4,586
Ishares Msci Acwi Etf ETF 464288257   118,323 1,394 SH   SOLE   0 0 1,394